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    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can I get a mortgage with a bad credit rating?


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A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own Debt Management Plan for 2 and a half years now, without missing payments.

My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.

Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?

Many Thanks

Joanne

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A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own Debt Management Plan for 2 and a half years now, without missing payments.

 

My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.

 

Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?

 

Many Thanks

 

Joanne

 

the answer is yes, although generally not with the main high street lenders. You will generally end up paying a slightly higher interest rate as i have had to do.

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I have over £70k in defaults and have just had two mortgage offers at near prime levels from brokers advertising in Exchange and Tart. I am not in a debt management plan and am not paying anyone anything.

Hi Paying .....

 

Can I ask what type of tie in period is on the mortgage offers i.e. if you repay within the first year what level fo penalty do you have to pay ?

 

Cheers

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Can anyone send me the details or maybe post them. My gf and i have just been offered a lot less than we can afford due to our "low" credit score.

 

Thanks

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Hi there, hope you are well. I have just signed up today and was looking at your post about getting mortgage whislt on a Debt Management Plan which is the case for me. My Boyf is hassling me to get on the mortgage with him but I keep avoiding because I am unsure what to do, boyf does nt know situation.

 

I would be most grateful if you could help e. Many thanks for your time :confused:

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I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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